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With health care costs on the rise, a growing number of Americans are throwing out the old way of seeing a doctor and turning to a membership model. A monthly or annual fee gets you direct access to a doctor, no insurance needed.Twenty years into her career, bogged down by red tape, too many patients and long days, Dr. Shaila Pai-Verma was looking for a better way to practice medicine.“I was just miserable,” she said. “The joy of medicine is gone and then you're just doing paperwork.”So, a year ago, she started a new primary care practice with a new business model.“The patient basically has a direct contract with the physician and they take insurance companies out of it,” she explained.Patients pay a flat monthly or yearly fee. In exchange, they receive a broad range of primary care services and quick, unlimited access to their doctor via in-person office visits, phone or by text.“Everyone wants everything immediate. And so, I think this is it. It's good, especially in this time for people to have access,” said Pai-Verma.Membership fees range from about 5 to 0 per month on average – about 0 less than having typical health insurance. Most patients still carry catastrophic coverage for emergency treatments and hospitalizations, but that insurance is usually only -100 a month, so patients still save money.For Bonnie Micheli and her family, it was all about access.“With this, it's just so much easier to just know that I can contact directly here within a few hours for any issues that I'm having,” said Micheli.In late September, a bipartisan proposal was introduced in Congress that would expand access to the model and allow people to use their health savings account for direct primary care (DPC).Because they see fewer patients than traditional practices, some critics say the model could worsen the shortage of primary care physicians, a trend that’s already driven by burnout.But according to a recent study, DPC members had 25% lower hospital admissions and the cost of emergency room claims was reduced by 54%.“There's less ER visits and you know, better health care for the patient,” said Pai-Verma.While there is still debate, for a growing number of Americans, like Micheli, it’s becoming a simplified health insurance alternative.“Honestly, it’s just so nice to know what I'm paying every month or if you do the annual, what you're getting for that money, and you know exactly who to go to when you have a problem.” 2467

When it comes to things like the economy or the military, the United States is considered among the strongest countries in the world.But when it comes to education, the U.S. isn’t making the grade, says Dr. Tanji Reed-Marshall with the Education Trust, a Washington D.C.-based group that aims to pinpoint and fix problems and inequities in education.Through nationwide research, Dr. Reed-Marshall found fixing our schools’ funding could be the ticket to better curriculums, improving classroom leadership and creating quality education in America."It's really important for us to understand how we think through where dollars go," says Dr. Reed-Marshall.Dr. Reed-Marshall says the billion in federal funding is not enough and isn’t going to the right places."In this country, zip code still tells the story about what you're likely to receive and the quality of it," says Dr. Reed-Marshall.Teacher Chrystal Miller stresses the notion that all areas aren’t created equal when it comes to getting a piece of the education pie. If she had to give education funding an overall grade, she says it’d be a D or an F.Miller came from a rural public school in Arkansas to the Washington Leadership Academy, a public charter in D.C. She says the difference in zip code is night vs day, and it shouldn’t be that way."Schools and students should be funded based on their need and not necessarily because you're at this zip code or you have this kind of family background or this kind of economic status,” Miller says. According to research by the Education Trust, students who live in lower income areas get about ,800 fewer tax dollars per student.Dr. Reed-Marshall says tax dollars drive education dollars. She believes there needs to be equal distribution of the tax dollars to raise the U.S. to the top of the ranks and in order to create an even and quality playing field, regardless of where students live. 1919

WEST PALM BEACH, Fla. — If you were planning a vacation to the Bahamas this summer, you may need to rethink your plans.The island nation just announced sweeping restrictions for tourists, specifically from the United States. It’s an effort to curb the spread of COVID-19. The restrictions begin Wednesday, July 22.This comes after just reopening its borders to visitors earlier this month.In the prime minister's national address, he said the country has 15 new coronavirus cases for a total of 153. 507

When’s the last time you checked your credit report? A new report by CreditCards.com found nearly half of adults haven’t checked their credit report in the last 6 months.It’s been 6 months since the massive Equifax breach where millions of people’s personal information was leaked. CreditCards.com found out nearly half of us haven’t checked out credit report since then to find out if we were one of the victims. Matt Schulz with CreditCards.com says, "Frankly that’s disturbing."Schulz says, “This was an enormous deal. Key personal information like social security numbers were compromised for nearly 150 million people.”Once your personal information is compromised, it’s out there for good. 74% of you said that having your personal data stolen would be worse than having your cell phone stolen.Schulz recommends you check your credit report once a month. “We don’t think about checking Instagram or Facebook 10x a day but, it seems way too much to ask to go to your bank website or check your credit report on a regular basis.”Now more than ever it’s easy to check your credit report.Schulz says, “A credit report will show you if somebody in particular has opened an account under your name without you knowing about it. And that is potentially one of the most damaging things someone can do.”You can get your vantage score, credit score and free Transunion credit report at places like CreditCards.com"Remember, the last thing you want is for your credit score to be dinged by mistakes that aren’t your own.” 1529

With most Kindergarten through grade 12 schools starting in less than a month, many parents are trying to figure out what is best for their family when given the option between in-person or virtual learning?What about preschool for 3 to 5-year-olds who were looking forward to in-person learning this fall?For parents who believe it’s safer to keep their child home, there are ways to get them learning beyond the A, B, C’s.“With our younger children we know they really thrive in predictability and routine and that is all gone right now,” said parenting expert Carly Dorogi.Preschool participation has fallen by half during the pandemic, according to the National Institute for Early Education Research. But that doesn’t mean kids can’t learn at home.Dorogi says children ages 3 to 5 can learn math using everyday items.“If I have five Cheerios on the table this is what five looks like and it’s a small amount compared to when I have ten Cheerios on the table,” Dorogi said.Playing with dolls or action figures can help language skills, forcing children to talk and put sentences together. Playtime is motor skills time.“Our little guys can actually improve their handwriting by playing with play dough or doing anything that’s a small motor that strengthens their hand muscles,” Dorogi said.If you want to introduce virtual learning, Dorogi suggests Osmo’s starter kit. It’s an app and hands-on play.If you’re looking for workbooks, check out Grand Haven-Based School Zone Publishing. They say their preschool-aged items have been selling more now due to the pandemic. And they have an app called Anywhere Teacher that has a curriculum to follow.Barbara Peacock is the managing director of School Zone Publishing.“What they need to learn first, then next and it’s a step by step program so it’s really nice to kind of tie the two together both print material, doing flashcards, working on worksheets and then putting them for 30-minutes a day on Anywhere Teacher and working with them,” she said.It is OK if your preschooler can’t sit still.“They need to move," Dorogi explained. "Sitting at a desk for even an hour is too much and I don’t want parents to feel like that’s the expectation. So, think about alternative seating. If your child learns best laying on the floor or sitting in a bean bag.”Dorogi suggests something as simple as a yoga ball on a milk crate that allows your fidgety child to focus.“That is truly how their brain works and when we allow them to move and interact and talk that’s when they are going to learn,” she said.This story was originally reported by Syma Chowdhry at WXYZ. 2615

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